{"id":4561,"date":"2017-08-08T08:44:59","date_gmt":"2017-08-08T01:44:59","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=4561"},"modified":"2024-10-31T15:32:40","modified_gmt":"2024-10-31T08:32:40","slug":"220-2","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/220\/","title":{"rendered":"220. R\u1ea5t c\u1ea7n c\u00e1c \u00e1n l\u1ec7 ng\u00e2n h\u00e0ng."},"content":{"rendered":"

R\u1ea5t c\u1ea7n c\u00e1c \u00e1n l\u1ec7 ng\u00e2n h\u00e0ng<\/span><\/h4>\n
(\u0110TCK) – Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y \u0111\u00e3 x\u1ea3y ra nhi\u1ec1u v\u1ee5 tranh ch\u1ea5p d\u00e2n s\u1ef1 v\u00e0 nhi\u1ec1u v\u1ee5 \u00e1n h\u00ecnh s\u1ef1 n\u1ed5i c\u1ed9m g\u00e2y ra nh\u1eefng tranh c\u00e3i ph\u1ee9c t\u1ea1p tr\u01b0\u1edbc vi\u1ec7c x\u00e1c \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u1ea5t tho\u00e1t ti\u1ec1n g\u1eedi, ti\u1ec1n vay, chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n v\u00e0 kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh.<\/strong><\/h5>\n

\"R\u1ea5t<\/p>\n

Tr\u00e1ch nhi\u1ec7m gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

Nh\u1eefng c\u00e2u h\u1ecfi nh\u1ee9c nh\u1ed1i c\u1ea7n c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng l\u00ean ti\u1ebfng, \u0111\u00f3 l\u00e0 ng\u00e2n h\u00e0ng hay kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m ch\u00ednh trong vi\u1ec7c qu\u1ea3n l\u00fd s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n n\u00f3i ri\u00eang v\u00e0 qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n n\u00f3i chung do ng\u00e2n h\u00e0ng m\u1edf cho kh\u00e1ch h\u00e0ng? Hi\u1ec7n t\u1ea1i, quy \u0111\u1ecbnh \u0111\u00e3 c\u00f3 nh\u01b0ng kh\u00f4ng r\u00f5 v\u00e0 c\u00f3 th\u1ec3 hi\u1ec3u ho\u00e0n to\u00e0n tr\u00e1i ng\u01b0\u1ee3c nhau.<\/p>\n

C\u00e1c quy \u0111\u1ecbnh \u0111\u1ec1u \u0111\u00e3 c\u00f3 l\u00e2u nay, nh\u01b0ng r\u1ea5t kh\u00f3 \u00e1p d\u1ee5ng v\u00e0o th\u1ef1c t\u1ebf, v\u00ed d\u1ee5 khi c\u1ea7n x\u00e1c \u0111\u1ecbnh l\u1ed7i c\u1ee7a b\u00ean n\u00e0o trong Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN ng\u00e0y 19\/8\/2014 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cH\u01b0\u1edbng d\u1eabn vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n\u201d (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 32\/2016\/TT-NHNN ng\u00e0y 26\/12\/2016).<\/p>\n

Th\u00f4ng t\u01b0 n\u00e0y quy \u0111\u1ecbnh, ch\u1ee7 t\u00e0i kho\u1ea3n ph\u1ea3i \u201cch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i do sai s\u00f3t ho\u1eb7c b\u1ecb l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n do l\u1ed7i c\u1ee7a m\u00ecnh\u201d (\u0111i\u1ec3m g, kho\u1ea3n 2, \u0110i\u1ec1u 5 v\u1ec1 \u201cQuy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n thanh to\u00e1n\u201d), \u0111\u1ed3ng th\u1eddi ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i \u201cch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i do sai s\u00f3t ho\u1eb7c b\u1ecb l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o tr\u00ean t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng do l\u1ed7i c\u1ee7a m\u00ecnh\u201d (\u0111i\u1ec3m g, kho\u1ea3n 2, \u0110i\u1ec1u 6 v\u1ec1 \u201cQuy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n\u201d.<\/p>\n

Tr\u00e1ch nhi\u1ec7m gi\u1eefa c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n<\/strong><\/h5>\n

M\u1ed9t \u0111i\u1ec1u \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng l\u00e0 ph\u00e1p nh\u00e2n hay c\u00e1 nh\u00e2n ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p li\u00ean quan \u0111\u1ebfn h\u00e0nh vi sai tr\u00e1i c\u1ee7a c\u00e1n b\u1ed9, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng. M\u00e2u thu\u1eabn, kh\u00f3 kh\u0103n x\u1ea3y ra t\u1eeb hai quy \u0111\u1ecbnh kh\u00e1c nhau c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005.<\/p>\n

Kho\u1ea3n 1, \u0110i\u1ec1u 146 v\u1ec1 \u201cH\u1eadu qu\u1ea3 c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1 do ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n x\u00e1c l\u1eadp, th\u1ef1c hi\u1ec7n v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi \u0111\u1ea1i di\u1ec7n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 quy \u0111\u1ecbnh: \u201cGiao d\u1ecbch d\u00e2n s\u1ef1 do ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n x\u00e1c l\u1eadp, th\u1ef1c hi\u1ec7n v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi \u0111\u1ea1i di\u1ec7n kh\u00f4ng l\u00e0m ph\u00e1t sinh quy\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u0111\u1ea1i di\u1ec7n \u0111\u1ed1i v\u1edbi ph\u1ea7n giao d\u1ecbch \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi \u0111\u1ea1i di\u1ec7n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u0111\u1ea1i di\u1ec7n \u0111\u1ed3ng \u00fd ho\u1eb7c bi\u1ebft m\u00e0 kh\u00f4ng ph\u1ea3n \u0111\u1ed1i\u201d.<\/p>\n

Trong khi \u0110i\u1ec1u 618 v\u1ec1 \u201cB\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do ng\u01b0\u1eddi c\u1ee7a ph\u00e1p nh\u00e2n g\u00e2y ra\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 l\u1ea1i quy \u0111\u1ecbnh: \u201cPh\u00e1p nh\u00e2n ph\u1ea3i b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do ng\u01b0\u1eddi c\u1ee7a m\u00ecnh g\u00e2y ra trong khi th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 \u0111\u01b0\u1ee3c ph\u00e1p nh\u00e2n giao; n\u1ebfu ph\u00e1p nh\u00e2n \u0111\u00e3 b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i th\u00ec c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u ng\u01b0\u1eddi c\u00f3 l\u1ed7i trong vi\u1ec7c g\u00e2y thi\u1ec7t h\u1ea1i ph\u1ea3i ho\u00e0n tr\u1ea3 m\u1ed9t kho\u1ea3n ti\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.\u201d Nh\u1eefng quy \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1 \u0111ang \u0111\u01b0\u1ee3c l\u1eb7p l\u1ea1i \u1edf B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

Theo quy \u0111\u1ecbnh tr\u00ean, c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c hi\u1ec3u r\u1eb1ng, n\u1ebfu nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c giao nhi\u1ec7m v\u1ee5 nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t 6%\/n\u0103m, m\u00e0 th\u1ef1c hi\u1ec7n giao d\u1ecbch v\u1edbi l\u00e3i su\u1ea5t 7%\/n\u0103m th\u00ec ph\u1ea7n v\u01b0\u1ee3t qu\u00e1 1% l\u00e0 v\u00f4 hi\u1ec7u. C\u00f2n gi\u00e1m \u0111\u1ed1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ea9m quy\u1ec1n k\u00fd cam k\u1ebft b\u1ea3o l\u00e3nh \u0111\u1ebfn 10 t\u1ef7 \u0111\u1ed3ng m\u00e0 l\u1ea1i ph\u00e1t h\u00e0nh b\u1ea3o l\u00e3nh l\u00ean \u0111\u1ebfn 15 t\u1ef7 \u0111\u1ed3ng, th\u00ec ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m to\u00e0n b\u1ed9 ho\u1eb7c \u00edt nh\u1ea5t l\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh 10 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf v\u1eeba qua \u0111\u00e3 xu\u1ea5t hi\u1ec7n m\u1ed9t s\u1ed1 b\u1ea3n \u00e1n tuy\u00ean \u00e1n r\u1ea5t kh\u00e1c nhau v\u1ec1 c\u00f9ng m\u1ed9t s\u1ef1 vi\u1ec7c t\u01b0\u01a1ng t\u1ef1. C\u00f9ng v\u1edbi t\u00ednh ch\u1ea5t ng\u01b0\u1eddi ph\u00e1t h\u00e0nh th\u01b0 b\u1ea3o l\u00e3nh sai th\u1ee7 t\u1ee5c, k\u00fd v\u01b0\u1ee3t th\u1ea9m quy\u1ec1n, nh\u01b0ng c\u00f3 tr\u01b0\u1eddng h\u1ee3p ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu, tr\u01b0\u1eddng h\u1ee3p kh\u00e1c ng\u00e2n h\u00e0ng l\u1ea1i kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 cam k\u1ebft b\u1ea3o l\u00e3nh. Vi\u1ec7c n\u00e0y \u0111\u00e3 g\u00e2y ra s\u1ef1 hoang mang, nghi ng\u1edd cho c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\n

C\u1ea7n c\u00f3 c\u00e1c \u00e1n l\u1ec7 ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

Nhi\u1ec1u v\u1ea5n \u0111\u1ec1 t\u01b0\u01a1ng t\u1ef1 c\u0169ng x\u1ea3y ra, nh\u01b0ng lu\u00f4n m\u1eadp m\u1edd tr\u00e1ch nhi\u1ec7m gi\u1eefa ng\u00e2n h\u00e0ng, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng hay kh\u00e1ch h\u00e0ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m. Ch\u1eb3ng h\u1ea1n vi\u1ec7c m\u1ea5t ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng trong tr\u01b0\u1eddng h\u1ee3p nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi: Thu ti\u1ec1n t\u1ea1i qu\u1ea7y nh\u01b0ng kh\u00f4ng n\u1ed9p v\u00e0o ng\u00e2n h\u00e0ng, thu ti\u1ec1n t\u1ea1i nh\u00e0 kh\u00e1ch h\u00e0ng nh\u01b0ng kh\u00f4ng n\u1ed9p ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng, t\u1ef1 \u00fd chuy\u1ec3n ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng sang lo\u1ea1i ti\u1ec1n g\u1eedi kh\u00e1c, t\u1ef1 \u00fd chuy\u1ec3n ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng sang t\u00e0i kho\u1ea3n kh\u00e1c, hay r\u00fat kh\u1ecfi t\u00e0i kho\u1ea3n, gi\u1ea3 m\u1ea1o ch\u1ee9ng t\u1eeb r\u00fat ti\u1ec1n kh\u1ecfi t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng\u2026<\/p>\n

Ho\u1eb7c ng\u00e2n h\u00e0ng, nh\u00e2n vi\u00ean hay ng\u01b0\u1eddi vay ti\u1ec1n ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c m\u1ea5t ti\u1ec1n vay trong tr\u01b0\u1eddng h\u1ee3p c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng gi\u1eef l\u1ea1i ti\u1ec1n gi\u1ea3i ng\u00e2n, gi\u1eef l\u1ea1i ti\u1ec1n thu n\u1ee3 hay gi\u1ea3i ng\u00e2n sai m\u1ee5c \u0111\u00edch vay.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi \u0111\u1ea1i di\u1ec7n, nh\u01b0ng l\u1ea1i th\u1ef1c hi\u1ec7n sai quy tr\u00ecnh, quy \u0111\u1ecbnh n\u1ed9i b\u1ed9, kh\u00f4ng \u0111\u00fang tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c, giao d\u1ecbch \u1edf b\u00ean ngo\u00e0i tr\u1ee5 s\u1edf ng\u00e2n h\u00e0ng… th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 \u0111\u01b0\u1ee3c mi\u1ec5n tr\u00e1ch b\u1eb1ng c\u00e1ch \u0111\u1ea9y tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng kh\u00e1ch h\u00e0ng cho c\u00e1 nh\u00e2n.<\/p>\n

N\u1ebfu nh\u00e2n vi\u00ean c\u1ee7a m\u00ecnh c\u00f3 h\u00e0nh \u0111\u1ed9ng sai tr\u00e1i ho\u1eb7c v\u01b0\u1ee3t quy\u1ec1n, g\u00e2y ra thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi kh\u00e1c, m\u00e0 ph\u00e1p nh\u00e2n l\u1ea1i \u0111\u1ea9y h\u1ebft r\u1ee7i ro ra ngo\u00e0i x\u00e3 h\u1ed9i, ph\u1ee7 nh\u1eadn s\u1ea1ch m\u1ecdi tr\u00e1ch nhi\u1ec7m c\u1ee7a m\u00ecnh, th\u00ec ph\u00e1p nh\u00e2n \u0111\u00f3 ch\u1eb3ng kh\u00e1c n\u00e0o m\u1ed9t t\u1ed5 ch\u1ee9c \u1ea3o, m\u1ed9t ph\u00e1p nh\u00e2n ma. V\u00e0 mu\u1ed1n tr\u1ed1n tr\u00e1nh tr\u00e1ch nhi\u1ec7m c\u1ee7a ph\u00e1p nh\u00e2n, th\u00ec ch\u1ec9 c\u1ea7n ch\u1ee9ng minh m\u1ed7i \u0111i\u1ec1u l\u00e0 nh\u00e2n vi\u00ean c\u1ee7a m\u00ecnh \u0111\u00e3 ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1.<\/p>\n

N\u1ebfu kh\u00f4ng s\u1edbm gi\u1ea3i quy\u1ebft nh\u1eefng v\u1ea5n \u0111\u1ec3 tr\u00ean th\u00ec s\u1ebd g\u00e2y ra b\u1ea5t \u1ed5n ng\u00e0y c\u00e0ng l\u1edbn v\u00e0 ph\u1ee9c t\u1ea1p cho c\u1ea3 kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 ng\u00e2n h\u00e0ng. V\u00ec v\u1eady, r\u1ea5t c\u1ea7n c\u00f3 s\u1ef1 gi\u1ea3i th\u00edch, h\u01b0\u1edbng d\u1eabn m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3, \u0111\u1eb7c bi\u1ec7t l\u00e0 vi\u1ec7c c\u00f4ng b\u1ed1 c\u00e1c \u00e1n l\u1ec7 l\u00e0m c\u0103n c\u1ee9 hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng th\u1ed1ng nh\u1ea5t ph\u00e1p lu\u1eadt.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC<\/strong><\/h5>\n

(1.154\/1.154) <\/em><\/p>\n

\u00a0——————-<\/em><\/strong><\/p>\n

B\u00e0i vi\u1ebft g\u1eedi \u0111\u0103ng \u0110\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 H\u00e0 N\u1ed9i 28-7-2017<\/em><\/strong><\/p>\n

\u00a0<\/strong><\/p>\n

R\u1ea4T C\u1ea6N C\u00c1C \u00c1N L\u1ec6 NG\u00c2N H\u00c0NG<\/strong><\/h4>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a><\/p>\n

Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/p>\n

Tr\u1ecdng\u00a0 t\u00e0i vi\u00ean VIAC<\/p>\n

Trong <\/em>nh\u1eefng n\u0103m g\u1ea7n \u0111<\/em>\u00e2y \u0111\u00e3 x\u1ea3y ra nhi\u1ec1u v\u1ee5 <\/em>tranh ch\u1ea5p<\/em> d\u00e2n s\u1ef1 v\u00e0 nhi\u1ec1u v\u1ee5 \u00e1n h\u00ecnh s\u1ef1 <\/em>n\u1ed5i c\u1ed9m <\/em>g\u00e2y ra nh\u1eefng tranh c\u00e3i ph\u1ee9c t\u1ea1p tr\u01b0\u1edbc vi\u1ec7c x\u00e1c \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u1ea5t tho\u00e1t ti\u1ec1n g\u1eedi, ti\u1ec1n vay, chi\u1ebfm \u0111o\u1ea1t t\u00e0i s\u1ea3n v\u00e0 kh\u00f4ng th\u1ef1c hi\u1ec7n ngh\u0129a v\u1ee5 th\u1ebf ch\u1ea5p, b\u1ea3o l\u00e3nh<\/em>. <\/em><\/p>\n

Tr\u00e1ch nhi\u1ec7m gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng <\/strong><\/h5>\n

Ng\u00e2n h\u00e0ng th\u00ec b\u1ecb l\u00ean \u00e1n l\u00e0 b\u1ecf m\u1eb7c kh\u00e1ch h\u00e0ng, ph\u1ee7i tay v\u1edbi ng\u01b0\u1eddi g\u1eedi ti\u1ec1n, ch\u1ed1i b\u1ecf ngh\u0129a v\u1ee5 b\u1ea3o l\u00e3nh,… Ng\u01b0\u1ee3c l\u1ea1i, kh\u00e1ch h\u00e0ng th\u00ec b\u1ecb coi l\u00e0 s\u01a1 h\u1edf, sai tr\u00e1i, ch\u00e2y \u1ef3 kh\u00f4ng ch\u1ecbu tr\u1ea3 n\u1ee3, l\u1eadt l\u1ecdng nh\u1eb1m tr\u1ed1n tr\u00e1nh ngh\u0129a v\u1ee5, l\u1eeba \u0111\u1ea3o nh\u1eb1m chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n vay,…<\/p>\n

Th\u1ef1c t\u1ebf \u0111\u00f2i h\u1ecfi c\u1ea7n s\u1ef1 ph\u00e2n \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u1ebfn \u0111\u00e2u trong c\u00e1c giao d\u1ecbch t\u00edn d\u1ee5ng, b\u1ea3o l\u00e3nh, th\u1ebf ch\u1ea5p, ti\u1ec1n g\u1eedi, d\u1ecbch v\u1ee5,…<\/p>\n

Nh\u1eefng c\u00e2u h\u1ecfi nh\u1ee9c nh\u1ed1i c\u1ea7n c\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng l\u00ean ti\u1ebfng, \u0111\u00f3 l\u00e0 ng\u00e2n h\u00e0ng hay kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m ch\u00ednh trong vi\u1ec7c qu\u1ea3n l\u00fd s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n n\u00f3i ri\u00eang v\u00e0 qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n n\u00f3i chung do ng\u00e2n h\u00e0ng m\u1edf cho kh\u00e1ch h\u00e0ng? Quy \u0111\u1ecbnh \u0111\u00e3 c\u00f3 nh\u01b0ng kh\u00f4ng r\u00f5 v\u00e0 c\u00f3 th\u1ec3 hi\u1ec3u ho\u00e0n to\u00e0n tr\u00e1i ng\u01b0\u1ee3c nhau.<\/p>\n

C\u00e1c quy \u0111\u1ecbnh th\u00ec \u0111\u1ec1u \u0111\u00e3 c\u00f3 l\u00e2u nay, nh\u01b0ng r\u1ea5t kh\u00f3 \u00e1p d\u1ee5ng v\u00e0o th\u1ef1c t\u1ebf, v\u00ed d\u1ee5 khi c\u1ea7n x\u00e1c \u0111\u1ecbnh l\u1ed7i c\u1ee7a b\u00ean n\u00e0o trong Th\u00f4ng t\u01b0 s\u1ed1 23\/2014\/TT-NHNN ng\u00e0y 19-8-2014 c\u1ee7a Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u201cH\u01b0\u1edbng d\u1eabn vi\u1ec7c m\u1edf v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n\u201d (\u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda \u0111\u1ed5i, b\u1ed5 sung theo Th\u00f4ng t\u01b0 s\u1ed1 32\/2016\/TT-NHNN ng\u00e0y 26-12-2016). Th\u00f4ng t\u01b0 n\u00e0y quy \u0111\u1ecbnh, ch\u1ee7 t\u00e0i kho\u1ea3n ph\u1ea3i \u201cCh\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i do sai s\u00f3t ho\u1eb7c b\u1ecb l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n qua t\u00e0i kho\u1ea3n do l\u1ed7i c\u1ee7a m\u00ecnh\u201d (\u0111i\u1ec3m g, kho\u1ea3n 2, \u0110i\u1ec1u 5 v\u1ec1 \u201cQuy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ch\u1ee7 t\u00e0i kho\u1ea3n thanh to\u00e1n\u201d), \u0111\u1ed3ng th\u1eddi ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i \u201cCh\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 nh\u1eefng thi\u1ec7t h\u1ea1i do sai s\u00f3t ho\u1eb7c b\u1ecb l\u1ee3i d\u1ee5ng, l\u1eeba \u0111\u1ea3o tr\u00ean t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng do l\u1ed7i c\u1ee7a m\u00ecnh\u201d (\u0111i\u1ec3m g, kho\u1ea3n 2, \u0110i\u1ec1u 6 v\u1ec1 \u201cQuy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n\u201d.<\/p>\n

Tr\u00e1ch nhi\u1ec7m gi\u1eefa c\u00e1 nh\u00e2n v\u00e0 ph\u00e1p nh\u00e2n <\/strong><\/h5>\n

V\u00e0 \u0111i\u1ec1u \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng l\u00e0 ph\u00e1p nh\u00e2n hay c\u00e1 nh\u00e2n ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p li\u00ean quan \u0111\u1ebfn h\u00e0nh vi sai tr\u00e1i c\u1ee7a c\u00e1n b\u1ed9, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng. M\u00e2u thu\u1eabn, kh\u00f3 kh\u0103n x\u1ea3y ra t\u1eeb hai quy \u0111\u1ecbnh kh\u00e1c nhau c\u1ee7a B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2005. Kho\u1ea3n 1, \u0110i\u1ec1u 146 v\u1ec1 \u201cH\u1eadu qu\u1ea3 c\u1ee7a giao d\u1ecbch d\u00e2n s\u1ef1 do ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n x\u00e1c l\u1eadp, th\u1ef1c hi\u1ec7n v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi \u0111\u1ea1i di\u1ec7n\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 th\u00ec quy \u0111\u1ecbnh: \u201c1. Giao d\u1ecbch d\u00e2n s\u1ef1 do ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n x\u00e1c l\u1eadp, th\u1ef1c hi\u1ec7n v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi \u0111\u1ea1i di\u1ec7n kh\u00f4ng l\u00e0m ph\u00e1t sinh quy\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u0111\u1ea1i di\u1ec7n \u0111\u1ed1i v\u1edbi ph\u1ea7n giao d\u1ecbch \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi \u0111\u1ea1i di\u1ec7n, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u0111\u1ea1i di\u1ec7n \u0111\u1ed3ng<\/em> \u00fd ho\u1eb7c bi\u1ebft m\u00e0 kh\u00f4ng ph\u1ea3n \u0111\u1ed1i;<\/em>\u201d<\/em> Trong khi \u0110i\u1ec1u 618 v\u1ec1 \u201cB\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do ng\u01b0\u1eddi c\u1ee7a ph\u00e1p nh\u00e2n g\u00e2y ra\u201d, B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 th\u00ec l\u1ea1i quy \u0111\u1ecbnh: \u201cPh\u00e1p nh\u00e2n ph\u1ea3i b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i do ng\u01b0\u1eddi c\u1ee7a m\u00ecnh g\u00e2y ra trong khi th\u1ef1c hi\u1ec7n nhi\u1ec7m v\u1ee5 \u0111\u01b0\u1ee3c ph\u00e1p nh\u00e2n giao; n\u1ebfu ph\u00e1p nh\u00e2n \u0111\u00e3 b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i th\u00ec c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u ng\u01b0\u1eddi c\u00f3 l\u1ed7i trong vi\u1ec7c g\u00e2y thi\u1ec7t h\u1ea1i ph\u1ea3i ho\u00e0n tr\u1ea3 m\u1ed9t kho\u1ea3n ti\u1ec1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt.<\/em>\u201d Nh\u1eefng quy \u0111\u1ecbnh t\u01b0\u01a1ng t\u1ef1 \u0111ang \u0111\u01b0\u1ee3c l\u1eb7p l\u1ea1i \u1edf B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1 n\u0103m 2015.<\/p>\n

Theo quy \u0111\u1ecbnh tr\u00ean, c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c hi\u1ec3u r\u1eb1ng, n\u1ebfu \u00a0nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c giao nhi\u1ec7m v\u1ee5 nh\u1eadn ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi l\u00e3i su\u1ea5t 6%\/n\u0103m, m\u00e0 th\u1ef1c hi\u1ec7n giao d\u1ecbch v\u1edbi l\u00e3i su\u1ea5t 7% th\u00ec ph\u1ea7n v\u01b0\u1ee3t qu\u00e1 1% l\u00e0 v\u00f4 hi\u1ec7u. C\u00f2n Gi\u00e1m \u0111\u1ed1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ea9m quy\u1ec1n k\u00fd cam k\u1ebft b\u1ea3o l\u00e3nh \u0111\u1ebfn 10 t\u1ef7 \u0111\u1ed3ng m\u00e0 l\u1ea1i ph\u00e1t h\u00e0nh b\u1ea3o l\u00e3nh l\u00ean \u0111\u1ebfn 15 t\u1ef7, th\u00ec ng\u00e2n h\u00e0ng v\u1eabn ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m to\u00e0n b\u1ed9 ho\u1eb7c \u00edt nh\u1ea5t l\u00e0 ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh 10 t\u1ef7 \u0111\u1ed3ng.<\/p>\n

Tuy nhi\u00ean tr\u00ean th\u1ef1c t\u1ebf v\u1eeba qua \u0111\u00e3 xu\u1ea5t hi\u1ec7n m\u1ed9t s\u1ed1 b\u1ea3n \u00e1n c\u1ee7a c\u00e1c T\u00f2a \u00e1n \u0111\u00e3 tuy\u00ean \u00e1n r\u1ea5t kh\u00e1c nhau v\u1ec1 c\u00f9ng m\u1ed9t s\u1ef1 vi\u1ec7c t\u01b0\u01a1ng t\u1ef1. C\u00f9ng v\u1edbi t\u00ednh ch\u1ea5t ng\u01b0\u1eddi ph\u00e1t h\u00e0nh th\u01b0 b\u1ea3o l\u00e3nh sai th\u1ee7 t\u1ee5c, k\u00fd v\u01b0\u1ee3t th\u1ea9m quy\u1ec1n nh\u01b0 sau, nh\u01b0ng tr\u01b0\u1eddng h\u1ee3p n\u00e0y th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu, tr\u01b0\u1eddng h\u1ee3p kh\u00e1c th\u00ec ng\u00e2n h\u00e0ng l\u1ea1i kh\u00f4ng ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m thanh v\u1ec1 cam k\u1ebft b\u1ea3o l\u00e3nh. Vi\u1ec7c n\u00e0y \u0111\u00e3 g\u00e2y s\u1ef1 hoang mang, nghi ng\u1edd cho c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\n

C\u1ea7n c\u00f3 c\u00e1c \u00e1n l\u1ec7 ng\u00e2n h\u00e0ng<\/strong><\/h5>\n

Nhi\u1ec1u v\u1ea5n \u0111\u1ec1 t\u01b0\u01a1ng t\u1ef1 kh\u00e1c x\u1ea3y ra, nh\u01b0ng lu\u00f4n m\u1eadp m\u1edd tr\u00e1ch nhi\u1ec7m gi\u1eefa ng\u00e2n h\u00e0ng, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng hay kh\u00e1ch h\u00e0ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m. Ch\u1eb3ng h\u1ea1n nh\u01b0 vi\u1ec7c m\u1ea5t ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh vi: Thu ti\u1ec1n t\u1ea1i qu\u1ea7y nh\u01b0ng kh\u00f4ng n\u1ed9p v\u00e0o ng\u00e2n h\u00e0ng, thu ti\u1ec1n t\u1ea1i nh\u00e0 kh\u00e1ch h\u00e0ng nh\u01b0ng kh\u00f4ng n\u1ed9p ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng, t\u1ef1 \u00fd\u00a0 chuy\u1ec3n ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng sang lo\u1ea1i ti\u1ec1n g\u1eedi kh\u00e1c, t\u1ef1 \u00fd chuy\u1ec3n ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng sang t\u00e0i kho\u1ea3n kh\u00e1c, hay r\u00fat kh\u1ecfi t\u00e0i kho\u1ea3n, gi\u1ea3 m\u1ea1o ch\u1ee9ng t\u1eeb r\u00fat ti\u1ec1n kh\u1ecfi t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng,… Hay l\u00e0 ng\u00e2n h\u00e0ng, nh\u00e2n vi\u00ean hay ng\u01b0\u1eddi vay ti\u1ec1n ch\u1ecbu tr\u00e1ch nhi\u1ec7m v\u1ec1 vi\u1ec7c m\u1ea5t ti\u1ec1n vay trong tr\u01b0\u1eddng h\u1ee3p c\u00e1n b\u1ed9 t\u00edn d\u1ee5ng gi\u1eef l\u1ea1i ti\u1ec1n gi\u1ea3i ng\u00e2n, gi\u1eef l\u1ea1i ti\u1ec1n thu n\u1ee3 hay gi\u1ea3i ng\u00e2n sai m\u1ee5c \u0111\u00edch vay.<\/p>\n

Tr\u01b0\u1eddng h\u1ee3p nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi \u0111\u1ea1i di\u1ec7n, nh\u01b0ng l\u1ea1i th\u1ef1c hi\u1ec7n sai quy tr\u00ecnh, quy \u0111\u1ecbnh n\u1ed9i b\u1ed9, kh\u00f4ng \u0111\u00fang tr\u00ecnh t\u1ef1, th\u1ee7 t\u1ee5c, giao d\u1ecbch \u1edf b\u00ean ngo\u00e0i tr\u1ee5 s\u1edf ng\u00e2n h\u00e0ng,… th\u00ec ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 \u0111\u01b0\u1ee3c mi\u1ec5n tr\u00e1ch b\u1eb1ng c\u00e1ch \u0111\u1ea9y tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng kh\u00e1ch h\u00e0ng cho c\u00e1 nh\u00e2n. N\u1ebfu nh\u00e2n vi\u00ean c\u1ee7a m\u00ecnh c\u00f3 h\u00e0nh \u0111\u1ed9ng sai tr\u00e1i ho\u1eb7c v\u01b0\u1ee3t quy\u1ec1n, g\u00e2y ra thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi kh\u00e1c, m\u00e0 ph\u00e1p nh\u00e2n l\u1ea1i \u0111\u1ea9y h\u1ebft r\u1ee7i ro ra ngo\u00e0i x\u00e3 h\u1ed9i, ph\u1ee7 nh\u1eadn s\u1ea1ch m\u1ecdi tr\u00e1ch nhi\u1ec7m c\u1ee7a m\u00ecnh, th\u00ec ph\u00e1p nh\u00e2n \u0111\u00f3 ch\u1eb3ng kh\u00e1c n\u00e0o m\u1ed9t t\u1ed5 ch\u1ee9c \u1ea3o, m\u1ed9t ph\u00e1p nh\u00e2n ma. V\u00e0 mu\u1ed1n tr\u1ed1n tr\u00e1nh tr\u00e1ch nhi\u1ec7m c\u1ee7a ph\u00e1p nh\u00e2n, th\u00ec ch\u1ec9 c\u1ea7n ch\u1ee9ng minh m\u1ed7i \u0111i\u1ec1u l\u00e0 nh\u00e2n vi\u00ean c\u1ee7a m\u00ecnh \u0111\u00e3 ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1.<\/p>\n

N\u1ebfu kh\u00f4ng s\u1edbm gi\u1ea3i quy\u1ebft nh\u1eefng v\u1ea5n \u0111\u1ec3 tr\u00ean th\u00ec s\u1ebd g\u00e2y ra b\u1ea5t \u1ed5n ng\u00e0y c\u00e0ng l\u1edbn v\u00e0 ph\u1ee9c t\u1ea1p cho c\u1ea3 kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 ng\u00e2n h\u00e0ng. V\u00ec v\u1eady, r\u1ea5t c\u1ea7n c\u00f3 s\u1ef1 gi\u1ea3i th\u00edch, h\u01b0\u1edbng d\u1eabn m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3, \u0111\u1eb7c bi\u1ec7t l\u00e0 vi\u1ec7c c\u00f4ng b\u1ed1 c\u00e1c \u00e1n l\u1ec7 l\u00e0m c\u0103n c\u1ee9 hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng th\u1ed1ng nh\u1ea5t ph\u00e1p lu\u1eadt.<\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a>, Tr\u1ecdng t\u00e0i vi\u00ean VIAC.\u00a0<\/strong><\/h5>\n

————–<\/p>\n

\u0110\u1ea7u t\u01b0 Ch\u1ee9ng kho\u00e1n (Ph\u00e1p lu\u1eadt) 08-8-2017:<\/em><\/strong><\/p>\n

http:\/\/tinnhanhchungkhoan.vn\/phap-luat\/rat-can-cac-an-le-ngan-hang-196659.html<\/a><\/em>","protected":false},"excerpt":{"rendered":"

R\u1ea5t c\u1ea7n c\u00e1c \u00e1n l\u1ec7 ng\u00e2n h\u00e0ng (\u0110TCK) – Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y \u0111\u00e3 x\u1ea3y ra nhi\u1ec1u v\u1ee5 tranh ch\u1ea5p d\u00e2n s\u1ef1 v\u00e0 nhi\u1ec1u v\u1ee5 \u00e1n h\u00ecnh s\u1ef1 n\u1ed5i c\u1ed9m g\u00e2y ra nh\u1eefng tranh c\u00e3i ph\u1ee9c t\u1ea1p tr\u01b0\u1edbc vi\u1ec7c x\u00e1c \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng li\u00ean […]<\/p>\n","protected":false},"author":7,"featured_media":4562,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14,26],"tags":[50,49,46,36],"class_list":["post-4561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nghien-cuu-bao-chi","category-legal-media","tag-luat-su-dan-su","tag-luat-su-hinh-su","tag-luat-su-kinh-doanh-thuong-mai","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"\n220. 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